One Finance

Deposits held and insured by Coastal Community Bank

Overview / Commentary
P.O. Box 162227
Sacramento, CA 95816-2227
Deposits held and insured by Coastal Community Bank

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Reviews (2)

Very Happy So Far

Posted by: |

Great online bank based on my experience (~18 months). Their app is user-friendly, and simple to use (maybe too simple?).

I logged into my account today and realized their savings rate is now 5.00% APY (unfortunately on savings balances up to $100,000 only). I will be moving $$$ into my savings account.

Awesome Bank

Posted by: |

Very responsive team with a great deal of improvements being rolled out.

Customer service is fast and efficient.

Almost instant virtual cards.

Can't find anything bad to say really , really fantastic budgeting options.


Data as of Q3 2023

Data displayed below is for insuring bank: Coastal Community Bank
Learn why bank health matters

Health Grade Components

FDIC Certificate #34403
Year Established1997
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.45%
Return on Equity - YTD16.71%
Annual Interest Income$242.1MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$3.67B$3.13B
LoansQ3 2023vs Q3 2022$2.87B$2.49B
DepositsQ3 2023vs Q3 2022$3.3B$2.84B
Equity CapitalQ3 2023vs Q3 2022$322.3MM$251.3MM
Loan Loss AllowanceQ3 2023vs Q3 2022$101.1MM$59.3MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$43.5MM$22.9MM
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

One Finance Checking Account Rates

5.00%*-$250kOne Account - Pay Autosave Pocket
OTHER TIERS: 1.00% $250k+
5.00%*$5k*$250kOne Account - Savings Pockets - Plus Customers
OTHER TIERS: 1.00% Any amount

One Finance is an Internet only bank and does not have branch locations. Its headquarters is located at P.O. Box 162227 - Sacramento, CA 95816-2227

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